270 Lower Rd, Gilbertville, MA 01031 Property Records

Worcester County and Hardwick Town property record for 270 Lower Rd, Gilbertville, MA 01031

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,979 sqft · built 1890
Lot Size	2.55 acres (111,078 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Oct 2018)
Tax Bill	$3,989 (2026)
Deeds & Mortgages	Dec 2020 Refinance Oct 2018 Sale & Mortgage
APN	`1120-00020`

Property Details

APN / Parcel Number

Primary APN	`1120-00020`
Alternative APNs	`HARD M:1120 B:0000 L:0002-0` `M:1120 B:0000 L:0002=0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,979 sqft Living Area
Gross Area	3,244 sqft
1st Floor Area	868 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	111,078 sqft (2.55 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1120-00020
Street Address	270 LOWER RD
City	GILBERTVILLE
State	MA
Zip	01031-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Lot Number	2-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1086
Census Tract	723100

Owner

Source: Worcester County and Hardwick Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	270 LOWER RD, GILBERTVILLE, MA 01031-9603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 31, 2018	Warranty Deed, Transfer FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2018 · Amount on Record
Deed Sale	Oct 31, 2018 · Amount on Record
Prior Sale	Aug 31, 1994 · Amount on Record
Deed Document Number	2018116012
Deed Book / Page	59628 / 37
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	270 LOWER RD, GILBERTVILLE, MA 01031-9603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63954-146
Date	Dec 11, 2020
Book Page	63954/146
Instrument	153502

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDWICK MA
Recording Date	Oct 31, 2018
Property Address	270 LOWER RD, GILBERTVILLE, MA 01031-9603
Document Number	59628-37
Book / Page	59628 / 37
Instrument	116012
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30.22
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	596280041
Date	Oct 31, 2018
Instrument	59628/0041

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 31, 2048

Tax Assessment & Valuation

Source: Worcester County and Hardwick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Hardwick Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,989.00 (+6.26%)	$313,100 (+9.67%) Land $47,300 Building $264,700	$345,719 (+3.27%)
2025	$3,754.00 (+4.19%)	$285,500 (-) Land $47,300 Building $238,200	$334,780 (+1.64%)
2024	$3,603.00 (-1.18%)	$285,500 (+4.16%) Land $47,300 Building $238,200	$329,365
2023	$3,646.00	$274,100 Land $45,300 Building $228,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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